The Big Picture tool for client education is just $30 / mo.
Check it out for free.
The Big Picture makes it brilliantly easy to visualize risk. Build the retirement portfolio of your choice, back-test it over hundreds of investment periods, and impress clients with personalized perspectives on questions like, "Based on history, how much can I safely spend, and at what confidence level?"Learn more
The Big Picture offers a sweeping view of market history. With the app in hand you'll be better equipped to engage clients, set expectations, and increase product awareness. In turn, you'll see greater success in attracting and retaining assets.Learn more
"Besides illustrating very quickly the effect of assumption changes on withdrawal rates, it’s a lot of fun to use. I wish I’d had access to it in the early 1990’s, when I began my research on the so-called ‘4% rule.’"
William P. BengenFinancial Advisor
"I can picture a time when most financial planners routinely use the Big Picture App to explore portfolio choices with their clients."
Bob VeresFinancial Advisor
"There is a lot to like about this app."
Joel BruckensteinFintech expert
The Big Picture is an application for wealth and retirement planning. It allows financial advisors to back-test retirement portfolios over hundreds of historical periods, and answer questions like:Based on history...
The following eleven total-return indices are currently available with a “Premium” subscription. Each index begins in 1926 and is monthly in frequency. Data are updated quarterly via an automatic feed.
Yes, you can upload your logo within the app.
The Big Picture app is grounded in the methodology used by William Bengen in his seminal 1990s research (later replicated by the Trinity Study and others). Namely, it assumes constant inflation-adjusted distributions throughout retirement.
But, don’t retirees’ spending patterns evolve as they age? And, what if portfolio values rise or fall significantly after retirement begins?
No. For two reasons:
First, your clients’ names, ages, investment holdings, and other personal details constitute highly sensitive data. This information should be confined to software that offers bank level security. A data breach, such as this one from Redtail, could be ruinous to your clients’ financial lives—and to your advisory business. While it can be convenient to view client data across platforms, we believe that the risks outweigh the benefits.
Quite simply, reliable market data do not exist prior to 1926. Retirement plans built on the basis of figures that pre-date this point in history are, in our view, unsound.